Mastercard Inc. (MA) Buy, Sell or Hold

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Mastercard Inc. (MA)

539.66

+9.37 (1.77%)

as of Jul 24, 2026, 8:00:00 pm Market Open.

273 watching

Investor Insights

Jul 25, 2026, 12:00 am

This summary was created by AI, based on 17 opinions in the last 12 months.

Mastercard Inc. continues to be viewed positively by experts, with many emphasizing its strong fundamentals and resilience in the face of potential disruptions from stablecoins and digital currencies. The company's position in the market is strengthened by its ability to provide value-added services and the ongoing digitization of cash. Many analysts suggest that fears regarding competition are greatly exaggerated, and both Mastercard and Visa are considered essential players in the payments system. Despite the company's recent stock performance being flat, growth prospects remain solid, with expectations of double-digit revenue and earnings growth. Overall, experts recommend holding or buying Mastercard, viewing it as a long-term investment with robust market positioning.

Consensus

Positive

Valuation

Fair Value

Similar

VISA, V

BUY

Trades at about 14X next year's earnings. New US financial regulation bill could possibly lead to lower use of credit/debit cards. Street reaction has been a little strong. Has less exposure to the debit card than Visa (V-N).

TOP PICK

Stock dropped because of concerns on proposed changes on debit card fees. This was more perception than reality because they don't participate in the debit card fee itself.

COMMENT

MasterCard (MC-N) or Visa (V-N)? Both companies are well run. The risk would be the credit situation in the US and it might spill over with the new European crisis. When the stocks hit their lows in 2008-2009 that was a great buying opportunity. They have both been on a fantastic run and not sure you'll make much money buying at its current level.

PAST TOP PICK

(A Top Pick March 11/09. Up 69.1% excluding dividends.) Competes very well against Visa (V-N), its major competitor.

PAST TOP PICK

(Top Pick Mar 11/09, Up 52.87%) Not as cheap as it was, but still good value.

BUY

Very good moneymaking machine. Riding along the 50-day moving average and not falling below it. You could also look at Capital One Financial (COF-N) or American Express (AXP-N).

PAST TOP PICK

(A Top Pick Dec 19/08. Up 58.2% excluding dividends.) Multiple has gone up to 18 X earnings so it's approaching a level where he is starting to get cautious.

DON'T BUY

A little bit overvalued. Not a compelling opportunity.

DON'T BUY

Trading at 18X forward earnings and 40X price to cash flow. He would prefer about 12X forward earnings.

DON'T BUY

Visa (V-N) and MasterCard (MA-N) make money on fees they charge merchants. (Also have debit cards in Europe and US but not in Canada.) Transaction oriented companies, so if you think retail sales are going to pick up then you will want to own but if the consumer is tapped out and trying to get out of debt (which he thinks) then you don't want to be there right now. His preference would be towards Visa because of its stronger international name.

BUY

Between Visa (V-N) and MasterCard (MA-N), MasterCard is the cheaper of the stocks from a valuation standpoint. Both of these companies are in the right spot. There will be a huge increase in the use of debit cards and both companies have a huge position in this area.

TOP PICK

The key thing is there is no credit risk. Really a processor of transactions. As we move from a cash society this will get more and more business.

COMMENT

Stock has held up well and has started to build a base. There is a thought that this type of credit is starting to be used a bit more. Short term moving average was around $148. When it starts to improve, it should get above the short term moving average and then above the long-term.

TOP PICK

Numbers are very, very impressive. Trading at about 14X earnings. Sticking to their 20% earnings growth target for 2009.

DON'T BUY

MasterCard (MA-N) and Visa (V-N) are phenomenal franchises and basically a global duopoly. Not tied to spending but transaction growth. PE multiple for both companies is somewhere in the mid-20s, which is very rich. On a 5-year time horizon, they will grow into that multiple. Would consider buying at a sub-20 PE.

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Mastercard Inc. (MA)